In 2016, President Trump came to the rescue by first zeroing out the penalties for not having insurance, and second inspiring companies to develop free-market products that would compete with ACA major medical plans.

The vehicle for these free market solutions is called a, "Fixed Indemnity or Defined Benefits" plan. It pays money just like any insurance, the difference is a defined benefit will pay the doctor, hospital or YOU directly for the services you shop for. If you have the money, you have the control. If you have cash in hand, you have a greater chance to negotiate fees which puts the power in the hand of the consumer.